Lower your Pontiac Tempest Rates in Less than Five Minutes
If finding affordable car insurance was easy, most of us would take the time to do it. But most likely we pay more than we want to and don't really enjoy the buying process. Buying insurance on your Pontiac Tempest might leave you feeling the same way.
Step One: Shop Around
Up until just recently, the only option you had for shopping for insurance was getting a high pressure sales pitch in the office of your local insurance agent. Not anymore!
Almost every car insurance company now offers online quotes, and you can actually get insurance quotes for a Pontiac Tempest without even visiting their websites!
Simply click the link below to enter your information. Once complete, you can compare the returned rates and make a decision on which policy to purchase.
Same Limits on Quotes! This tip is very important. The only way to accurately compare rates on your Tempest is to use the same limits of liability as well as deductibles on physical damage coverage. You won't be able to compare rates if you use different values on your quotes.
Step Two: How to Lower your Tempest Insurance Premium
After step one is complete, it's now time to analyze some of the other factors that can negatively impact car insurance rates for a Tempest.
- Vehicles that tend to get stolen or have high repair costs will cost you more to insure. If your Tempest falls into either category, it could cost you.
- If you are a senior citizen or belong to a particular professional organization, you may qualify for a break on insurance.
- To keep your rates low, don't file excessive claims on your policy. Insurance is meant to cover large losses, not small damage that you can pay for out-of-pocket.
- If you rent rather than own a home, you may be paying more for car insurance. Homeowners often get lower rates.
- If your vehicle comes with safety features such as electronic stability control, head restraints, all-wheel drive or air bags, these all help keep insurance costs down by helping reduce accident injuries.
- Having any gaps in coverage (known as a lapse) is bad in the eyes of any insurance company. Make sure you keep coverage in force at all times by synchronizing the expiration and effective dates of your policies.
- If you have a speeding ticket or other moving violation, you could be charged more for insurance. If you get a ticket, find out if your county or state offers a defensive driving course that will void the ticket upon completion.
- Having recently completed a class in driver's safety could earn you a discount of 5% to 10%. Check with your insurance company to see if they offer that credit.
- If you're a young driver, you will pay more to insure a Tempest. There isn't anything you can do about your age, but rates will drop as you mature.
- If you have a high credit score, you will be rewarded with lower insurance rates. Conversely, if your credit rating is on the low site, your rates will be higher.
- A deductible is the amount you pay before your company pays a comprehensive or collision claim. If you increase your deductibles, you will pay less for these coverages.
Step Three: Make an Informed Buying Decision
Choosing a new car insurance company is not easy. But hopefully you have a handful of quotes for your Tempest that will give you a good idea of how much it will cost, as well as some idea of any coverage changes you may want to make.
On your new policy, double check that the effective date is the same as the date you are cancelling your old policy. This avoids any lapse in coverage which can cause an increase in your rates.
If you are adding a vehicle to an existing policy and not buying a new one, just make sure to get the vehicle added as soon as possible. Every insurance company offers a grace period to add new vehicles, so make sure you get the Pontiac added prior to the expiration of this grace period. Anytime you buy a vehicle, you want to make sure coverage is in place before driving off the lot. If you have a policy now, you will have at least liability coverage. But if you don't insure any vehicles with full coverage, then you will put your new Tempest at risk as soon as you drive away.
Your insurance company will provide you with proof-of-insurance forms to keep in your vehicle. It's required by state law to carry at least the state minimum liability limits. SR-22 filings are for high risk drivers and ensure that you have met your state's financial responsibility requirements. If you have DUI, DWI or uninsured accident convictions, you may have to file an SR-22 with your state DMV.
For More Information
The Insurance Information Institute is the industry authority for consumer car insurance information.
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